Here are some examples of my photos that have been imposed Blocks Ripple effects and it can be found in the Pixel Bender plugin. Pixel Bender is a plugin that can be used in Photoshop. I use Pixel Bender version 2, used in Adobe Photoshop CS5.

To do this, first you need to find a suitable image. Then, duplicate and Flip Vertical layer in Photoshop to get the reflection effect. Then select only the reflection and Ripple Blocks effects that can be found in the Filter menu once we install the Pixel Bender plugin into the Photoshop.

Pixel Bender plugin can be downloaded for free at the website http://labs.adobe.com/technologies/pixelbenderplugin